Personal Finance OS — Terms

Updated 28 September 2026.

Personal Finance OS is a private tool operated for its owner's personal budgeting and cash-flow planning. It is not a commercial financial service or a service offered to other account holders. Contact: info@godev.space.

Permitted purpose

The application is intended to access the owner's own personal accounts through explicitly authorized account-information connections. The owner is responsible for selecting the correct accounts and observing the bank's and Enable Banking's access conditions. Access to business accounts or accounts belonging to others is outside this application's current personal-use setup.

Read-only access and user control

The application retrieves account information and does not initiate payments, transfers, trades or other financial transactions. Bank access requires the owner's authorization. Fetching is initiated manually in the current release; no automatic schedule is installed. Consent may expire or be revoked, and the owner can disconnect the application.

Reports and forecasts

Reports depend on source coverage, review decisions and supplied planning inputs. Forecasts describe assumptions and scenarios; they are not promises of future income or available cash. Missing balances, incomplete history and unresolved transactions can prevent a reliable result. The owner should check supporting records before making financial decisions.

The application does not provide investment selection, tax calculations based on assumed rates, or professional financial, tax or legal advice. Company receipts and personal spendable funds must be assessed separately.

Data and external services

The privacy page describes local storage, credentials, retention and controls. Enable Banking and the bank operate separate services under their own terms. Their availability and the scope of data they expose can change.

Stopping use

The owner may stop using the application and revoke access. Disconnection stops further application fetching and attempts to revoke its session; it does not delete local records, backups or information separately retained by external providers. Those require separate management.